Compare Savings vs. CDs
Comparison of Deposit Account from Coastal Heritage Bank with 0.80%
- September 2026
Long-Term Analysis of Ridgewood Savings Bank with 3.35% APY and Coastal Heritage Bank with 0.80% APY and Freedom National Bank with 0.55% APY and Gulf Capital Bank with 4.28% APY
This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.
You May Choose More Savings or CD Products From Among these Popular Products to Compare
- 1ONLINE SAVINGS3.35%-$50,000N.A.Bank14.32x (National Avg. - 0.23%)$0SCENARIO
Year Rate
3.35%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,675 1,173 2 51,675 1,731 1,212 3 53,406 1,789 1,252 4 55,195 1,849 1,294 5 57,044 1,911 1,338 6 58,955 1,975 1,383 7 60,930 2,041 1,429 8 62,971 2,110 1,477 9 65,081 2,180 1,526 10 67,261 2,253 1,577 11 69,514 2,329 1,630 12 71,843 2,407 1,685 13 74,250 2,487 1,741 14 76,737 2,571 1,799 15 79,308 2,657 1,860 16 81,965 2,746 1,922 17 84,711 2,838 1,986 18 87,548 2,933 2,053 19 90,481 3,031 2,122 20 93,512 3,133 2,193 TOTAL $46,645 $32,652 - 2LOCAL CD0.80%-$50,00036 MonthBank1.06x (National Avg. - 0.76%)$10,000SCENARIO
Year Rate
0.80%Annual
InterestAnnual Interest
(After Tax)1 50,000 400 280 2 50,400 403 282 3 50,803 406 284 4 51,210 410 287 5 51,619 413 289 6 52,032 416 291 7 52,449 420 294 8 52,868 423 296 9 53,291 426 298 10 53,717 430 301 11 54,147 433 303 12 54,580 437 306 13 55,017 440 308 14 55,457 444 311 15 55,901 447 313 16 56,348 451 316 17 56,799 454 318 18 57,253 458 321 19 57,711 462 323 20 58,173 465 326 TOTAL $8,638 $6,047 - 3LOCAL CD0.55%-$50,0006 MonthBank1.36x (National Avg. - 0.40%)$100,000SCENARIO
Year Rate
0.55%Annual
InterestAnnual Interest
(After Tax)1 50,000 275 193 2 50,275 277 194 3 50,552 278 195 4 50,830 280 196 5 51,109 281 197 6 51,390 283 198 7 51,673 284 199 8 51,957 286 200 9 52,243 287 201 10 52,530 289 202 11 52,819 291 203 12 53,110 292 204 13 53,402 294 206 14 53,695 295 207 15 53,991 297 208 16 54,288 299 209 17 54,586 300 210 18 54,886 302 211 19 55,188 304 212 20 55,492 305 214 TOTAL $5,797 $4,058 - 4LOCAL CD4.28%-$50,0009 MonthBankN.A.$250,000SCENARIO
Year Rate
4.28%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,140 1,498 2 52,140 2,232 1,562 3 54,372 2,327 1,629 4 56,699 2,427 1,699 5 59,125 2,531 1,771 6 61,656 2,639 1,847 7 64,295 2,752 1,926 8 67,047 2,870 2,009 9 69,916 2,992 2,095 10 72,909 3,120 2,184 11 76,029 3,254 2,278 12 79,283 3,393 2,375 13 82,677 3,539 2,477 14 86,215 3,690 2,583 15 89,905 3,848 2,694 16 93,753 4,013 2,809 17 97,766 4,184 2,929 18 101,950 4,363 3,054 19 106,313 4,550 3,185 20 110,864 4,745 3,321 TOTAL $65,609 $45,926
All calculations are for demonstration purposes only.
Featured CD Rates
Advertiser Disclosure| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
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4.35% | $100,000 |
Learn More on the North American Savings Bank, F.S.B. website |
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Take your savings to the next level with our 12-month online CD special! 12-Month |
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4.50% |
$500 |
Learn More | |
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Last change: ↑0.45% on April 27. |
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4.50% |
$500 |
Learn More | |
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Last change: ↑0.43% on April 27. |
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4.50% |
$10,000 |
Learn More | |
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Last change: ↑0.65% on August 6. |
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4.50% |
$10,000 |
Learn More | |
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Last change: ↑1.20% on August 6. |
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